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Loan-to-ARV Calculator (USA)

Size a fix-and-flip or BRRRR loan off After-Repair Value. See your maximum ARV-based loan, cash to close, flip profit, Maximum Allowable Offer (MAO), and cash-on-cash return — the "70% rule," done properly.

For estimation purposes only. ARV, LTARV caps, and lender terms vary. Verify comps and consult a licensed lender.
1 ARV & loan
%
50%70%90%
2 Financing
%
4%11%18%
mo
%
3 Costs & exit
% ARV
Maximum loan (ARV-based)
—
Enter your details and click Calculate
Deal highlights
Funded loan —
Actual LTARV —
Cash to close —
Max allowable offer —
Projected profit —
Cash-on-cash ROI —
All-in cost breakdown
Calculate to see breakdown
Loan sizing
After-repair value (ARV)—
Max loan by ARV—
Financed rehab—
Down payment (gap)—
Actual LTARV—
Funded loan—
Deal costs
Purchase price—
Rehab budget—
Closing costs—
Holding costs—
Origination (points)—
Interest (est.)—
Selling costs—
Total all-in cost—
Cash & returns
Total cash invested—
Return on cost—
Cash-on-cash ROI—
Annualized ROI—
Profit margin (on ARV)—
Projected profit—
Offer analysis (MAO)
MAO — 70% rule (ARV cap − rehab)—
MAO — profit target—
Your offer (purchase)—
Verdict—
Visualizations
Where the ARV goes
Loan vs. cash invested
Disclosure: This calculator provides estimates for informational purposes only and does not constitute financial advice or a loan commitment. Interest is a simplified full-balance estimate over the hold period; MAO figures use current inputs. ARV, LTARV caps, fees, and terms depend on comps, your lender, and underwriting. Consult a licensed lender.